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    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
    • Also, have you told us how much you paid for this vehicle? Are there any other expenses you have incurred – insurance, inspections et cetera? How far away from the dealership do you live?
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Vincenta vs Capital One


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Greetings!!! Finally made it thanks to the ever so helpful vendi, sorry WendyB!

 

Thanks Wendy, you're a starlet.

:smile:

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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*******************************************************

Hello Folks this is just to introduce this new thread. I'm a newbie CAGer and will appreciate all your support and tips.

*******************************************************

 

Have read through the forum posts and have been much encouraged by the success stories. In the 2002-2004 period, I was hammered by bank, credit card and loan providers as I was self-employed with poor cashflow and my credit suffered as a result. After deliberating the whole claim issue for almost two years now, I've finally decided to take some action with reclaiming - starting with my Capital One credit card.

 

My S.A.R - (Subject Access Request) letter goes out tomorrow, recorded delivery.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Blimey, a starlet and a dame! I'm doing well for compliments today:D

 

You will find that Crap One are fairly straightforward,in my opinion, especially if its just charges and not default removal. Even better if there's no balance on your account, as then you get a nice cheque. They're a nice easy one to tackle first, to ease you into the whole charges thing.

 

Let us know how it goes and shout if you need help.

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Hey Ho. I've got the CAG bug bug bug!!! I'm going after

 

1. Ge Money - MEAF - £200ish

2. Ge Money - Mortgage penalties - £2-3000

3. NatWest - Current Account Fees - £500ish

4. Abbey - MEAF - £125ish

5. Abbey - Mortgage penalties - £300ish

6. Abbey - Current Account Fees - £200ish

7. Capital One - CCard Penalties - £500ish

8. HFC Bank Loan - Loan Penalties - £3000ish

9. Welcome Finance - Loan Penalties - £2000ish

10. Council Tax - Rebanding - about £2000ish

 

Total = £11,825.00

 

I hereby propose with every success, a minimum of 10% (£1,182.50) of my 'winnings' shall flow straight into the CAG fund!

 

Yessireee!!

;-)

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Go get 'em vincenta.

 

I would advise leaving the NatWest and Abbey current accounts until after the test case. Don't do anything about the mortgage penalties until you have taken advice - they are not the same as bank/credit card charges and you may not be able (or at least wise) to reclaim them.

 

But credit cards, loan companies and bank loans - easy peasy :)

 

Cap1 usually gives in quite quickly as do GE Money - I would start with them.

 

 

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I'm with Steven on this one, go for the credit cards first. The upcoming test case may alter the way we need to proceed on bank current accounts so wait and see what happens there. Mortgage penalties can be a minefield so take advice on those before you do anything. Not too up on loans, but I do know from reading, both here and on other sites, that Welcome Finance are not nice people to deal with.

 

Just do the easy ones first, then as you get more experienced and knowlegeable work your way through them. No good doing them all at once - far too time consuming and confusing!

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The Mortgage penalties, are you looking at recovering ERC'S?

 

(Early Repayment Charges)

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thank you steven4064, perhaps you can click my scales....

 

I've had some very good advice from a local law centre here in London regarding mortgage claims and have decided not to go for ERC's as they are nearly always escalated to a higher court and you do need to have a solicitor present, if not a barrister, and I certainly can't afford either.

  • Haha 1
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There were several cases on CAG earlier in the year where people tried to reclaim ERCs as contract penalties in the same way that banl charges are claimed. In several cases, it got to court and the case was lost because the claimant couldn't prove they had a contract with the mortgage company. And no contract, no contract penalties.

The reason is that mortgages are a very different animal to any other sort of credit agreement - as you said they are hedged in law. Normal contract law doesn't (seeem to) apply and neither do CCA1974 or UTCCR1999.

 

 

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Hi All

Thanks for your various comments and suggestions.

Yep, certainly no point starting with the harder cases first is there? So I'll definitely be taking them in order of ease first.

On the mortgage front, I'm not looking at ERC/ERPs as that is only payable if you redeem your mortgage before a certain special period. If I did that on my current mortgage it'd be about £16K so "that ain't gonna happen!"

I'm looking at those awful DD returned and arrears admin fees and interest charged on top etc. Fortunately, it's not with my current lender but the one I moved away from about a year ago.

I'm certainly keeping them in my sights and with the way I was treated at the time, the least I can do is give it a go.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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  • 3 weeks later...

Howdy Folks

Trust you all had a good Christmas and New Year?!?!?

Time for an update:

Abbey have replied to MEAF letter with a letter trying to say my old mortgage started almost TWO YEARS later than it actually did (meaning a lower MEAF would be payable) and to confirm I actually want a refund. I've replied and corrected their error. Should be just a formality to get a payment from them soon.

GE is yet to reply on the MEAF front. They charged me about £300 when I remortgaged away from them. Yet when I looked at all their docs for when I took the mortgage out, there was nothing to this effect there!!! I'm still tinkering with the idea of going after them for various fees applied to my mortgage account while I was with them for four years. Totals about £3000 for things like late payment/DD's bouncing/arrears account admin etc. Does anyone have any good information on reclaiming these?

Still waiting for SAR replies from Capital One and Natwest.

I've also taken on Council Tax!!! This is quite a biggie for me as I've lived here for 7 odd years. Two years ago I found out that a 4 bed detached not too far from mine (newer and bigger and more value) was on a band E. Another 4 bed Semi (newer and bigger and more value) is also on band E. This property is no 107 while mine is no 46. I've finally decided to stop sitting on my */?se and have spoken to and sent the valuation office a six page document showing all sorts of details why my property is NOT a band F but should actually be a band D and they're looking into it. Somehow, they mananged to allege that my 3 bedder is 141sqm while these fourbedders are a maximum of 127sqm??!?!? They were contending that mine is a bigger property! Of course they're wrong but fortunately, I have it on good authority from a RICS surveyor who valued my property in 2007 that it's size is a maximum 110sqm!

We'll see who gets the last laugh.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Hi vincenta

 

Happy New Year to you too :)

 

It might be worthwhile having seperate threads in the appropriate forums for these claims so you getthe most informed help.

 

On the GE stuff - you can certainly claim back things like late payment/DD's bouncing/arrears account admin etc. Normallym we don't advise tryng to go after Early Repayment Fees. Howver, if you can show that it is not in your agreement you might be in with a chance. I think you should post a copy of the agreement on your new GE thread so we can have alook at it.

 

 

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Thanks Steven I'll consider doing that. With all those different claims, it's a bit of a mission!!!

:p

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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  • 3 weeks later...

I've received my Capital One statements! Will be going through it to add up charges and then sending LBA.

 

Can someone please clarify

 

1) Where to get those spreadsheets/calculators to use in calculating the claim amount?

2) What interest rate to apply to the charges. Is it the same rate as that used by the card company itself?

3) Where to send the LBA for Capital One credit card

 

Many thanks.;)

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Hi vinceta

 

1) in the bank templates library

2) the same as the card itself

3) you need to send a preliminary request for payment first. Send it to customer relations - the address will be i the 'stickies' at the top of the Cap 1 forum

 

 

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Hi I was reclaiming bank charges with Lloyds TSB for £10000+ but its all on hold now so thought I will have a go at Capital (crap) One while waiting.

 

I got in the position that it defaulted and went to an external legal collections to collect balance. I have nearly paid it all off, about £650 left to pay.

 

Was going to send a template letter form money saving expert site but you are all talking about an SAR letter??? Is this better one to send and can i have the link to it.

 

Thanks friends :)

Martinengo[sIGPIC][/sIGPIC]

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Go to the relevant forum, the start new thread button is up top somewhere :)

:p Wanting out of the red and into the pink! :p

 

If I've been nice please tip my scales. If I've been naughty, tip 'em twice! ;)

 

CURRENTLY CAGGING -

 

NatWest Bank - no response to S.A.R - (Subject Access Request), 40 days passed

 

Natwest CC - no response to CCA, 12+30 days passed. Calls continue, I ignore.

 

Sainsburys CCs x 2 - Current T&Cs rec'd in response to CCA request. Letter sent re lack of prescribed terms. Calls continue, mobile set to auto ignore.

 

Capital One - Copy application form rec'd in response to CCA. Letter sent re lack of prescribed terms. Standard final response received. Calls continue, I ignore.

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